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Our primary mission at Credible is to give you the tools and power you need to make confident financial decisions. Although we receive compensation from our partner lenders, whom we will always identify, all opinions are our own and our reviews and articles are written objectively.

Student loan refinancing lenders

To identify the “best companies” for refinancing student loans, we looked at data points in the following categories (with the following weightings):

  • Min. fixed rate: 30%
  • Min. variable Rate: 10%
  • Offers both types of rates: 10%
  • Term length: 5%
  • Repayment: 10%
  • Fees: 5%
  • Discounts: 3%
  • Customer experience: 5%
  • Cosigner release: 5%
  • Max undergrad balance: 5%
  • Max grad balance: 5%
  • Other: 7%

Private student loan lenders

To identify the “best companies” for private student loans, we looked at data points in the following categories (with the following weightings):

  • Min. fixed rate: 26%
  • Min. variable Rate: 13%
  • Term length: 5%
  • Repayment: 10%
  • Fees: 10%
  • Discounts: 4%
  • Customer experience: 10%
  • Cosigner release: 10%
  • Other: 12%

Personal loan lenders

To identify the “best companies” for personal loans, we looked at data points in the following categories (with the following weightings):

  • Rates and fees: 18%
  • Loan terms: 18%
  • Customer experience: 17%
  • Eligibility: 14%
  • Customer satisfaction: 10%
  • Efficiency: 10%
  • Options for poor credit and no credit: 9%
  • Discounts: 4%

Learn More: Personal Loans Lender Review Methodology 

Mortgage purchase lenders

To identify the “best companies” for home loans, we looked at data points in the following categories (with the following weightings):

  • Rates and fees: 34%
  • Reputation: 25%
  • Efficiency: 17%
  • Eligibility: 17%
  • Customer experience: 6%
  • Discounts: 1%

Learn More: Mortgage Lender Review Methodology

Mortgage refinancing lenders

Credible currently uses Better Business Bureau® (BBB) ratings for mortgage refinancelender scores. These ratings are made up of the business’s complaint history with BBB, whether the business raises marketplace concerns, how long the business has been operational, transparency regarding products and services, whether the business honors its commitments to the BBB, any licensing issues or government actions, and advertising practices. Please find more information here: https://www.bbb.org/overview-of-bbb-ratings.

All of the lenders were ranked against the same weightings to get the rating out of five stars.

To gather and validate all of this information, Credible’s experts reviewed and researched multiple student loan refinancing, private student loan, and personal loan lenders. Our methodology task force consisted of 17 experts across four teams.

We scoured each lender’s website, spoke to customer service, reached out via email, and consulted internal teams and data to ensure all data points were accurate and up to date.

Read more about Credible’s mission and promise to our readers.

Compare all of your refinance options in one place

Credible helps borrowers save an average of $250 per month when they refinance.

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How to Refinance

1. compare options

Provide some basic info – name, school, debt, income – and receive rates from lenders (in 2 minutes).

2. Choose a lender

Choose a lender to move forward with and pick a fixed or variable rate loan (in 2 minutes).

3. Apply & Wait

Submit your application. Your selected lender will look take some time before approving your new loan (in 1-3 weeks).


Get started with refinancing.

Do you know how much your loan will cost?

Chances are you’ll be paying more than you expect. Use our calculator to estimate the cost over your loan term.

Calculate Cost

Lower your student loan payments

When you refi with Credible, you’ll see how fast, easy and refreshingly un-stressful it is.

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